Updated BackDoor Numbers

[MarvBear]

A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) - these people/departments have decision-making abilities far beyond frontline CSR's; they can take and review requests for reconsideration of denied CC apps or CLI requests, APR reductions, etc. and implement their decisions.

 

I can continuously update this first post with the latest information if everyone will post to this thread.  I'll make the change and acknowledge.  We deeply appreciate your participation.

 

Amazon (store card): see Synchrony (GE)
AMEX:                      (Oasis Program)
AMEX: 866-314-0237 (new app status)
AMEX: 800-582-6471 (recon with frozen EX for pin)
AMEX Business charge cards - (877) 399-3083
AMEX Credit Bureau Unit: 800-874-2717 (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number)

Barclays: 888-232-0780 (Customer Care)
Barclays: 866-408-4064 (Credit Analyst)
BBVA Compass Bank: (American Express Card issues only) 866-246-2924
Best Buy: 877-420-0001
Best Buy: 888-908-9890 (Credit Analyst, existing accounts only)

BofA: 866-866-2059 (Direct to US-based CSR)
BofA: 888-500-6270 (Credit Dept. Fax)
BofA Business: 800-442-1043

Cap1: 800-625-7866 (Account Specialist)
Cap1: 800-951-6951 (cust. relations)
Cap1: 800-548-4593 (application department; status)
Cap1: 800-889-9939, 800-625-7866 (Account Specialist)
Cap1: 877-513-9959 (Account Retention?)
Cap1: 800-258-9319 (Debt Recovery)
Cap1: 866-280-0118, 800-955-1455 (EO) (Nerfed in general)
Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst)

Chase: 800-432-3117 (App status)
Chase Executive Office  800-242-7399
Chase Personal CC Recon 888-270-2127
Chase Business CC Recon 800-453-9719
Chase: 800-453-9719 (Business card lending)
Chase Lending - 888-609-7805 (Credit Analysts)
Chase: 800-242-7399
Chase: 800-955-9900 (Product change status questions)
Chase: 888-298-5623 (Consolidation - M-F 8am-10pm EST)
Chevron/Texaco Biz Card App Status: 888-243-8358
Citi: 800-645-7240, 800-288-4653 (Citi Business)
Citi: 800-750-7453 (Business)
Citi 888-201-4523 (Personal)
Citi: 718-248-0847 (EO)
Citi: 800-695-5171 (New Accounts UW)
Citi: 605-331-1698 (EO - CC division)
Citi Credit Bureau Dispute Fax: 866-713-5028
Comenity: 800-303-1368 (Consumer Relations - Recon)

Discover: 888-676-3695 (New Accounts)
Discover: 866-305-7691 (Direct Line TO CS)
Discover: 866-222-0536 (EO)

Elan: 800-364-9648 (CC underwriting, business and personal)
Equifax: 800-846-5279 (Direct to Rep)
Equifax Executive Office 404-885-8000
Experian: 800-493-1058, 800-208-9232 (9AM-5PM ET, need report number from EX)
ExxonMobil Biz Card: 800-903-9966

FIA: See Elan
FNBO: 800-444-6220

GEMB: 877-294-7541 (escalated help desk)

Haverty's/Sync: 800-333-1082
Home Depot Store Card: 800-677-0232 (Credit Analyst)
Home Depot Store Card: 423 467 6957 (App Status/Recon)
Home Depot MC (Commercial): 800-720-0649
Home Depot: 800-685-6691 (Commercial)
Hooters: 801-545-6705, 800-850-4668
HSBC: 866-574-4421 (App Status)
HSBC: 866-719-3897 (Credit Analyst)

JC Penney: 800-542-0800
Juniper: 866-408-4064 (Credit Analyst)
Juniper/Barclays: 866-750-6031 (Corp. Offices)

Key Bank: 888-201-4523 (App status)
Key Bank: 800-254-2737
Key Bank MC: 800-288-4653
Key Bank Credit Research Fax: 216-357-6400

Lowes: see Synchrony (GE)

Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues)
Macy's: 800-543-9617 (Recovery Services)
Marvel: see Synchrony (GE)
Meijers MC: 801-517-5560

National City: 800-762-0974 (Credit Dept.)
Nationwide Visa: 866-757-2720 (App. status)
Nordstrom: 800-964-1800 (CLI)

Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR's. If this happens and you don't speak Spanish, either try again later or try saying "Habla ingles?" or "Ingles, por favor" to let them know you're an English-speaker)

Philips 66: 866-289-5630, 800-610-1961
PNC Bank: 800-762-2117 (Business CC)
PNC Bank: 877-562-0150 (Business UW)

Sam's Club: 800-301-5546 (Underwriting)
Sears: 800-599-9710 (App status)
Shell Fleet Card: 800-223-3296 (App status)
Shell: 800-223-3296, 866-438-7435
Shell: 800-377-5150
Staples: 800-767-1291, 800-282-5316
Sunoco Corp. Card: 800-935-3387, 800-278-6626
Sunoco: 800-310-4773
Synchrony (GE): 800-240-0512, 800-480-0205 (Biz)
Synchrony (GE): 800-588-4290 (Consumer)
Synchrony (GE): 877-379-8175 (Sr UW)
Synchrony (GE): 888-885-6937 (Verification)
Synchrony (GE): 800-333-1082 (Haverty's)
Synchrony (GE): 866-519-6441 (Marvel CC, Sr UW)

Target Biz Card: 800-440-5317
Tiffany: 800-770-0800
Transunion: (312) 466-7719 (Corporate Office Resolution Team Voicemail)
Transunion: (610) 546-4600 (Corporate Office, need extension or last name to search directory)

USAA Bank Secured Platinum: 800-344-5696 ext 38763 (secured product specialist)
US Bank: 800-685-7680 (Underwriting)
US Bank Secured Platinum: 800-344-5696 (underwriters for secured product)

Valero: 877-882-5376

Walmart (Sync): 877-379-8175 (Sr UW)
Walmart (Sync): 877-969-5302 (Verification)
Wells Fargo: 866-677-1128 (CC Executive Office)
Wells Fargo: 844-576-6424 (Executive Office)
Wells Fargo: 877-514-3717 (Amex Propel Credit Svcs)
Wells Fargo: 844-879-4824 (Direct # for Product Change Credit Svcs)
Wright Express: 888-743-3893   
 

Edited June 7, 2023 by MarvBear
Updated 06-07-2023

[DPB]

Thanks for updating this Marv. 

Here is my contribution from the old thread that wasn’t updated:

 

Citi:

866-606-2787 Doesn’t work.

800-695-5171 Confirmed. Rings directly to a live person (US based) for New Accounts UW/Recon.

[MarvBear]

6 minutes ago, DPB said:

Thanks for updating this Marv. 

Here is my contribution from the old thread that wasn’t updated:

 

Citi:

866-606-2787 Doesn’t work.

800-695-5171 Confirmed. Rings directly to a live person (US based) for New Accounts UW/Recon.

Done, Original list updated.

[DPB]

AMEX Business charge cards - (877) 399-3083

I applied for a Business Platinum card and was declined by their automated system. Called the above number to ask about recon. I didn’t directly get an underwriter. But the lady on the phone took the information and said she’d get it to the UW department. I didn’t believe her, but she called back just a couple minutes later to say she spoke to the UW team and I was approved. So this should work for AMEX Biz charge cards. Not sure about their other cards though. 

[MarvBear]

5 hours ago, DPB said:

AMEX Business charge cards - (877) 399-3083

I applied for a Business Platinum card and was declined by their automated system. Called the above number to ask about recon. I didn’t directly get an underwriter. But the lady on the phone took the information and said she’d get it to the UW department. I didn’t believe her, but she called back just a couple minutes later to say she spoke to the UW team and I was approved. So this should work for AMEX Biz charge cards. Not sure about their other cards though. 

Done, original list updated.  Thank you very much for the contribution.

[AlabamaSteve]

Marv, 

As I don't see it on the list, here is the number to Equifax' executive offices in Atlanta. 

 

404-885-8000

 

They can also transfer you to a US based agent for help. Was finally able to access my account once I got the right department on the phone. 

[MarvBear]

24 minutes ago, AlabamaSteve said:

Marv, 

As I don't see it on the list, here is the number to Equifax' executive offices in Atlanta. 

 

404-885-8000

 

They can also transfer you to a US based agent for help. Was finally able to access my account once I got the right department on the phone. 

Done, and thank you very much for the contribution!

[cv91915]

On 3/18/2019 at 7:17 AM, MarvBear said:

US Bank: 800-685-7680 (Underwriting)

Still works as of 10/15/19

[gerray]

On 3/18/2019 at 6:17 AM, MarvBear said:

I can continuously update this first post with the latest information if everyone will post to this thread.  I'll make the change and acknowledge.  We truly appreciate your participation.

 

Citi: 605-331-1698 (EO - CC division)

This number worked for me on 10/17/19  - I was able to speak to someone that successfully pulled some of my credit limit from one Citi card and moved it over to another (that I had been continuously getting denied CLI requests on).  

[DPB]

Citi Biz. : 866-541-7657 (UW)

 

Can we make this topic a sticky?

[generallissimo]

Chase: 888-245-0625 (Credit Analyst - Recons)

Number no longer in use.
 

[MarvBear]

On 12/16/2019 at 6:06 PM, generallissimo said:

Chase: 888-245-0625 (Credit Analyst - Recons)

Number no longer in use.
 

will update the list.   Thank you for the new information.

[shifter]

Cap1: 800-548-4593 (application department; status)

• This seems to just be a normal line, nothing special

Cap1: 800-625-7866 (Account Specialist)

• This goes directly to an application specialist with no wait

[Menta33]

Correction: 800-645-7240 and 800-288-4653 are for Citi Business cards, not personal and 888-201-4523 is not business but personal.

Edited February 22, 2020 by Menta33

[MarvBear]

55 minutes ago, Menta33 said:

Correction: 800-645-7240 and 800-288-4653 are for Citi Business cards, not personal and 888-201-4523 is not business but personal.

Updated and thank you.

[shifter]

Chase: 888-245-0625 (Credit Analyst - Recons) is dead

[smartlypretty]

On 4/11/2019 at 12:21 AM, DPB said:

AMEX Business charge cards - (877) 399-3083

I applied for a Business Platinum card and was declined by their automated system. Called the above number to ask about recon. I didn’t directly get an underwriter. But the lady on the phone took the information and said she’d get it to the UW department. I didn’t believe her, but she called back just a couple minutes later to say she spoke to the UW team and I was approved. So this should work for AMEX Biz charge cards. Not sure about their other cards though. 

This is the number I called Tuesday, they said no access to UWs but they thought I had a good shot. Card is a business card so I grabbed it from the top list.

[Day]

This number is no longer working. Chase: 888-245-0625 (Credit Analyst - Recons)

[StarkRaven$]

I just called both these numbers and they work:

 

The Chase reconsideration line for personal cards is 1-888-270-2127. The Chase reconsideration line for business cards is 1-800-453-9719.

[StarkRaven$]

5 hours ago, Day said:

This number is no longer working. Chase: 888-245-0625 (Credit Analyst - Recons)

The Chase reconsideration line for personal cards is 1-888-270-2127. The Chase reconsideration line for business cards is 1-800-453-9719.

[hegemony]

On 10/16/2019 at 1:59 PM, gerray said:

This number worked for me on 10/17/19  - I was able to speak to someone that successfully pulled some of my credit limit from one Citi card and moved it over to another (that I had been continuously getting denied CLI requests on).  

CITI COMBO UPDATE

five calls later and I've gotten a stone wall from analysts and EO on moving limits (premier to prestige) even when I've pointing out I'll be closing premier before the AF renews regardless of moving limits or not. All I get is Discovery-esk niceness thanking me for being citigold and a longtime cardholder.

Edited July 17, 2020 by hegemony

[hegemony]

FWIW, "regular" Chase CSRs can now do limit combos just call the number on your card.

[Dbcreditdebacle]

@MarvBear not sure if you’re still updating this post, but I tried the BofA credit analysts and sr credit analysts phone numbers and they’re all disconnected. Thanks!

[MarvBear]

3 hours ago, Dbcreditdebacle said:

@MarvBear not sure if you’re still updating this post, but I tried the BofA credit analysts and sr credit analysts phone numbers and they’re all disconnected. Thanks!

I removed those two mentioned numbers.   Thank you for the update.

[sCHMOE]

On 3/18/2019 at 4:17 AM, MarvBear said:

Chase: 888-622-7547 (Chase Executive Ofc. in IL)
 

 

1) This number when dialed reports that the number has been changed to 800-242-7399 and when called, they informed me that although someone may be in Ilinois, the Chase Executive Office has never been in Illinois which I can neither confirm nor deny.

 

2) When speaking to the executive offices I was transferred to 888-609-7805 which was identified as a credit analyst.  Executive offices were not able to identify what office/dept that-that number was for.  I googled.  That credit scoring company web-site came up and said that they were RECON.  I was told by EO that they were not RECON but that they were CSR.  When Maria answered the phone Chase Lending was stated.